How Much Are Car Insurance Rates in Boston?


Boston is known for its expensive premiums, as its mean premium surpasses the state average by 25%. Therefore in Boston, it is crucial to cut costs while insuring a vehicle. We've analyzed how auto insurance rates in Boston compare to costs nationwide.


INSURANCE RATES: BOSTON VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,497$1,201$1,427


Boston Auto Insurance After an Accident or Moving Violation


Does your driving record show a history of accidents or violations? That can influence your car insurance rates. A DUI will increase your car insurance premiums more than other driving violations. Usually, a DUI in Boston will cost you 98% more in car insurance premiums versus the city average of $1,497. Reckless driving will bump your premiums up as well, with typical rates of $2,932, which are 96% higher than the city average! The value of the damage caused by an accident plays a role in how much insurance rates will climb. Being at-fault in an accident with damages exceeding $2,000 costs you an extra $106 per year in premiums compared to an accident with damages less than $1,000.


AVERAGE BOSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
DUI/DWI$2,963
Reckless Driving$2,932
At-fault Accident (damages less than $1,000)$2,424
At-fault Accident (damages greater than $2,000)$2,530
Speeding Ticket (16-20 mph over speed limit)$1,868


Boston Car Insurance by Age Bracket

Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $5,028 on average. At $1,186, drivers in their 70s have the lowest car insurance rates among any age group. People in their 60s ($1,225) have premiums that aren't much higher. Boston drivers see the greatest dip in premiums when they hit their 20s, as they pay an average of 61% less after moving out of the teenage age range. The downward trend continues, as insurance rates in Boston decrease the older a driver gets.


BOSTON AUTO INSURANCE PREMIUMS BY AGE
AgeAverage Rate
Teenagers$5,028
20s$1,942
30s$1,443
40s$1,391
50s$1,340
60s$1,225
70s$1,186


* Credit score is considered discriminatory in Massachusetts and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance.


* Neither marital status nor gender impact insurance rates in Boston.

What drives up car insurance rates in Boston?

Where you live in Boston affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Boston is no exception to the rule. From zip code 02467 to 02119, premiums rise by 47 percent—that’s $699.

Expensive Boston Zip Codes: 02126, 02125, 02121, 02120, 02119

Cheap Boston Zip Codes: 02467, 02108, 02217, 02222, 02196

Boston Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Boston, you can expect 126 rainy days with an annual rainfall of 43.8 inches. Boston is also known to experience severe winter storms. You can check on the condition of the roads anytime here.

126

Rainy Days a Year

44"

Avg. Annual Rainfall

44"

Avg. Annual Snowfall

Be Prepared For

Driving in Beantown

2
Major Highways
I-90 I-93 I-495
2
Toll Roads
Massachusetts Turnpike
2
Popular Day Trips
Cape Cod Plum Island Mount Monadnock

Find Local Boston Agents

Flynn Insurance Agency Inc

30 Park Street Boston, MA 02129

Knapp Schenck & Company Ins Agency, Inc.

One India Street Boston, MA 02109

MassDrive Insurance Group

241 A Street Boston, MA 02210

Inland Underwriters Insurance Agency

One 13th St Boston, MA 02129

Paul Lymneos Insurance Agency,Inc.

4258 Washington Street Boston, MA 02131

See All

2

$1,731

The average Bostonian's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

277

That's equal to 277 cups of coffee or $692 in savings

See How Much You Can Save in Boston

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Recent Questions:

Boston Car Insurance

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Oct 09, 2017

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Additional Resources:

Boston Car Insurance

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